Trupanion operates exactly as a pet insurer should. Our puppy recently contracted an intestinal parasite. The same day as his vet visit, I submitted a claim and the invoices to Trupanion for both the fecal test and the medicine. A few days later, we got an email saying our claim had been received, a few days after that we received an email saying our claim had been processed and a few days after that our checks were in our mailbox. We were reimbursed for 90% of the medicine and test as promised. Trupanion is great; they're fast and the claim process is super duper easy.